KR20090037417A - Method for payment by using ultra wide band network - Google Patents

Abstract

A method for payment by using an ultra wideband network is provided to enable wireless payment by using an ultra wideband communication function of which communication rate is superior to a previous payment method. An ultra wideband communication session is connected between a user's mobile phone and a payment device or a sever(500). When the user's mobile phone transmits at least one payment way through an ultra wideband communication session, the payment device or the sever performs payment by using the payment information transmitted from the user's terminal(540).

Description

Payment processing method using ultra wideband network {Method for Payment by Using Ultra Wide Band Network}

1 is a diagram illustrating an internal configuration of a wireless payment wireless terminal equipped with an ultra-wideband communication function according to a preferred embodiment of the present invention.

2 is a diagram showing a preferred functional configuration for the UWB transmitter included in the UWB communication unit of the wireless terminal.

3 is a diagram showing a preferred functional configuration for the UWB receiver included in the UWB communication unit of the wireless terminal.

Figure 4 is a preferred diagram for a wireless payment system using ultra-wideband communication in accordance with a preferred embodiment of the present invention.

Figure 5 is a flow diagram of one preferred embodiment of connecting and conducting a wireless payment transaction session from a wireless terminal to a device or server.

6 is a flow diagram of another embodiment of a method of connecting and wirelessly processing a transaction session from a wireless terminal to a device or server.

7 is a flowchart of another exemplary method of connecting and wirelessly processing a transaction session from a wireless terminal to a device or server.

<Description of main parts of drawing>

100: wireless terminal 105: control unit

110: UWB processing unit 115: transaction unit

120: payment means reading unit 125: screen output unit

130: key input unit 135: voice processing unit

140: wireless processing unit 145: UWB communication unit

150: IC chip interface 155: memory section

160: IC chip 165: UWB module

170: device or server

The present invention provides a method of connecting an ultra wide band (UWB) communication session between a user mobile phone and a payment device or a server, and at least one payment means to be provided to the payment device or a server for payment processing in the user mobile phone. If the transmission via the connected ultra wide band (UWB) communication session, the payment processing method using an ultra-wideband communication network comprising the step of processing payment using the payment means information transmitted from the user mobile phone in the device or server. It is about.

The application of ultra-wideband communication has been continuously researched and developed in the field of radar, which has been developed for military purposes since 1960, image identification of underground buried materials, safety field, etc., and has been studied for communication since 1990. Currently, ultra-wideband communication is the only technology capable of providing a wireless full speed of 100 Mbps. Since 2003, standardization has begun in 802.15.3a and 802.15.4a of the Institute of Electrical and Electronics Engineers (IEEE). .

The ultra-wideband communication has a transmission speed of up to 100 Mbps, but does not require a carrier-free process, and thus the configuration is relatively simpler than a conventional wireless communication method, and a reference oscillator and a phase locked loop (PLL) are used. Lock Loop) Since the Synthesizer, Mixer, and Power Amplifier are not needed, the structure of the communication module is simple, and the structure of the communication module is simpler than the existing communication due to the elimination of IF (Intermediate Frequency) stage and impulse communication. Features include low power, ultra high speed communication.

When the ultra-wideband communication is applied to the wireless payment, the problem of the existing wireless payment (for example, infrared wireless payment based on IrFM), that is, the inconvenience of payment processing by the low-speed communication (for example, the IrFM standard perfectly If satisfied, the communication processing time between the wireless terminal and the payment terminal device is about 8 seconds or more, so that currently commercially available wireless payments omit a part of the IrFM standard to keep the communication time within 2 to 3 seconds). .

An object of the present invention to solve the above problems is the step of connecting an ultra wide band (UWB) communication session between the user mobile phone and the payment device or the server, and the payment device or for payment processing in the user mobile phone; If the at least one payment means to be provided to the server is transmitted through the connected ultra wide band (UWB) communication session, the device or server performs a payment process using the payment means information transmitted from the user's mobile phone; The present invention provides a payment processing method using an ultra-wideband communication network.

The payment processing method using the ultra-wideband communication network according to the present invention includes the steps of connecting an ultra wide band (UWB) communication session between a user mobile phone and a payment device or a server, and the payment device for payment processing in the user mobile phone. Or when the at least one payment means to be provided to the server is transmitted through the connected ultra wide band (UWB) communication session, the device or the server processing payment using the payment means information transmitted from the user's mobile phone. Characterized in that comprises a.

The method may further include connecting a transaction session with a user mobile phone equipped with UWB communication through ultra wide band (UWB) communication at a payment device or server, and from the payment device or server to the user mobile phone through the transaction session. Processing to transmit payment data including payment information; and the payment method information and payment related data stored in the IC chip included in the user mobile phone through the user mobile phone in the payment device or the server. UWB) receiving through a communication session, and the payment processing using the received payment means information and payment-related data in the payment device or server.

Further, before or after the payment processing, outputting the information or data received from the payment device or the server to the user mobile phone through the ultra wide band (UWB) communication session, and is input from the user mobile phone And transmitting information or data to the payment device or server, wherein the information or data includes payment information data of the payment target product or service and order of the payment target product or service. And information data, the payment target product or service coupon data, the payment target product or service-related advertisement data, and one or more mileage or point data corresponding to the payment processing.

Reference will now be made in detail to the principles of operation of the preferred embodiments of the present invention, with reference to the accompanying drawings and description. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, the preferred embodiment of the present invention carried out below to order and pay food through the ultra-wideband communication in a fast food restaurant in order to efficiently explain the technical components constituting the present invention, and additional services associated with the payment It demonstrates through the Example provided. However, the embodiment of the present invention as described above is not limited to the case of a restaurant, but is applicable to all kinds of wireless payment processing using ultra-wideband communication, and the technical idea of the present invention is determined by the claims of the present invention. .

1 is a diagram illustrating an internal configuration of a wireless payment wireless terminal 100 equipped with an ultra-wideband communication function according to a preferred embodiment of the present invention.

Referring to FIG. 1, the wireless terminal 100 basically includes a control unit 105, a screen output unit 125, a key input unit 130, a voice processing unit 135, a memory unit 155, and a wireless processing unit 140. And an IC chip interface configured to include a battery for supplying power, and to read / write predetermined information or data on the IC chip 160 mounted on or detached from the wireless terminal 100 and the IC chip 160 ( 150) and UWB communication unit 145 for ultra-wideband communication.

The control unit 105 is composed of a processor, an execution memory, and a bus (BUS), and is executed from a storage memory to perform a function specific to the wireless terminal 100 after the wireless terminal 100 is booted and / or booted. As a routine (Routine) loaded into a memory and calculated by a processor, or a SMD (Surface Mounted Device) in the form of a chipset on a printed circuit board (PCB) provided in the wireless terminal 100, the wireless terminal 100 A generic term for any chipset routine computed provided to the execution memory and processor via a bus to perform specific functions, the operating system being loaded from the storage memory to the execution memory to perform functions specific to the wireless terminal 100. (Operating System (OS)) and a System Program (System Program) for terminal control management and an Agent Program (Agent Program) for performing a predetermined function, or On the PCB inside the line terminal 100, a System Management Module and an Agent Operation Module, which are provided in the form of a chipset, for a mathematical operation (for example, a codec operation or an encryption operation) It includes a coprocessor.

In the wireless terminal 100, the control unit 105 performs a function unique to the known wireless terminal 100, or a predetermined function provided in the wireless terminal 100 for a specific purpose, and performs the overall operation thereof. It is characterized by control and management box. That is, all functions and / or tasks performed through the wireless terminal 100 are performed through the controller 105, and in the process, the controller 105 performs at least one or more functions provided in the wireless terminal 100. Control and management functions of the unit (for example, the screen output unit 125, the key input unit 130, the wireless processing unit 140, and / or the voice processing unit 135, etc.), and predetermined operations using the function performing unit. Characterized by processing.

Referring to FIG. 1 according to a preferred embodiment of the present invention, the control unit 105 includes a processing unit 110, a transaction unit 115, and a payment means reading unit for wireless payment processing using ultra-wideband communication according to the present invention. 120 and the like.

The processor 110 connects a communication session based on ultra-wideband communication with the device or server 170 equipped with the UWB module 165 through the UWB communication unit 145 provided in the wireless terminal 100, or the communication session. It is characterized in that for transmitting and receiving predetermined information or data with the device or server 170 through.

According to a preferred embodiment of the present invention, the processing unit 110 is a screen output unit 125 provided with the predetermined information or data received from the device or server 170 via the UWB communication unit 145 in the wireless terminal 100. And / or the predetermined information or data input through the voice processing unit 135 or through the key input unit 130 provided in the wireless terminal 100 through the UWB communication unit 145 through the device or server ( 170) to transmit.

In addition, when the wireless payment processing through the ultra-wideband communication is initiated, as described in the present invention, the processing unit 110 converts a predetermined communication session based on the ultra-wideband communication into a transaction session for wireless payment processing. And / or after the wireless payment processing through the transaction session is performed, switching from the transaction session to the ultra-wideband communication session.

The transaction unit 115 connects the transaction session based on the ultra-wideband communication with the device or the server 170 for wireless payment processing through the ultra-wideband communication, and pays from the device or the server 170 through the transaction session. Receives and reads predetermined payment data including information (for example, purchase product information, payment amount, and merchant information), performs a predetermined task corresponding thereto, and includes a key input unit 130 provided in the wireless terminal 100. ) And / or payment means reader 120 reads payment means information (eg, credit card number, customer identification information, authorized certificate) for wireless payment processing from IC chip 160 equipped with at least one payment means. In the case of shipment, the predetermined payment data including the payment means information is transmitted to the device or the server 170 through ultra-wideband communication according to the EMV standard.

The payment means reading unit 120 receives the predetermined payment information from the device or the server 170 through the transaction unit 115, or when a payment means reading command is input through the key input unit 130. The payment means reading unit 120 reads the payment means reading information provided in the memory unit 155 of the wireless terminal 100 to read the payment means information provided in the IC chip 160 in accordance with the ISO / IEC 7816 standard. Extract payment means information reading command based on APDU (Application Protocol Data Unit) based, payment means information from the IC chip 160 mounted on or detached from the wireless terminal 100 through the IC chip interface 150 It is characterized by reading the.

The screen output unit 125 receives at least one or more key data generated from the key input unit 130 and / or various information and signals generated and / or generated during the control process of the control unit 105. It is characterized in that it serves to output to the screen (for example, LCD (Liquid Crystal Display)) provided in.

According to a preferred embodiment of the present invention, the processing unit 110 and / or transaction unit 115 provided in the control unit 105 is a predetermined information or data from the device or server 170 via the UWB communication unit 145 When receiving the information or data is preferably output through the screen output unit 125.

The key input unit 130 includes a plurality of number keys, a character key for inputting characters, and at least one or more function keys. The user of the wireless terminal 100 When a predetermined key is pressed, corresponding key data are generated and provided to the controller 105.

According to a preferred embodiment of the present invention, the key input unit 130 has a key for starting wireless payment processing using ultra-wideband communication (for example, a wireless payment shortcut using UWB, or a menu key for driving a wireless payment menu using UWB). And / or a numeric key for inputting a PIN (Personal Identification Number) for performing wireless payment through a payment means provided in the IC chip 160.

The voice processor 135 encodes a voice signal input from the microphone and transmits the encoded audio signal to the wireless processor 140 through the controller 105, and decodes a signal received through the wireless processor 140. And a function of outputting as a voice signal to the speaker via 105. In particular, the voice signal input and output through the voice processor 135 as described above connects voice calls to at least two voice call devices through the voice channel included in the wireless processor 140.

According to a preferred embodiment of the present invention, the processing unit 110 and / or the transaction unit 115 included in the control unit 105 may provide predetermined information or information from the device or server 170 via the UWB communication unit 145. When receiving data, the information or data is preferably output through the voice processing unit 135.

The wireless processing unit 140 processes radio frequency signals transmitted and received in a wireless communication section between the wireless terminal 100 and a base station on a mobile communication network through a radio frequency (RF), for wireless communication It consists of an RF unit and an IF unit for intermediate frequency processing.

As described above, the radio frequency signal transmitted and received through the radio communication section between the radio processor 140 and the base station may include a voice channel and a data channel. In the case of the voice channel, the radio between the radio processor 140 and the base station The radio frequency signal transmitted and received through the communication section is a voice call is made through a wired communication section consisting of a control station connected to at least one or more base stations, an exchange station connecting at least one or more control stations, and also in the case of a data channel The radio frequency signal transmitted and received through the radio communication section between the radio processor 140 and the base station includes a control station connected to at least one base station, an exchange station connecting at least one control station, and a signal reaching the exchange station. Extract data signals from and route to packet-based networks The communication device on the network and the wireless terminal 100 through a wired communication section consisting of a network interlocking device (eg, an InterWorking Function (IWF)) and a communication device and / or a server on a network connected to the gateway through a packet-based network. And / or a communication session with a server or the like.

The memory unit 155 may include a predetermined program code for controlling the overall operation of the wireless terminal 100 and a space in which information and / or data input and / or outputted when an operation by the program code is performed and And / or a generic term for a storage area, typically wireless in the form of read-only memory such as read only memory (ROM) and read / write memory such as electrically erasable and programmable read only memory (EEPROM) or flash memory (FM). Characterized in that the terminal 100 is provided.

Referring to FIG. 1 according to a preferred embodiment of the present invention, the memory unit 155 includes a key data table for detecting and reading key data for ultra-wideband communication from key data input through the key input unit 130. And payment means reading information for storing a command code for reading predetermined payment means information from the IC chip 160 mounted or detached from the wireless terminal 100 by the payment means information reading unit 120. It is desirable to be.

The IC chip interface 150 includes information between the processing unit and / or storage unit and the IC chip 160 provided in the wireless terminal 100 through the IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443. And / or provide data exchange. For example, the IC chip interface 150 provides information and / or data exchange between the IC chip agent program and the IC chip 160 through an APDU (Application Protocol Data Unit).

Referring to the IC chip 160 standard and the EMV standard including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip 160 mounted on or detached from the wireless terminal 100 may include the IC chip ( 160 is a card terminal device through contact points such as power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O). A processor unit comprising an input / output interface communicating with the at least one computing device, at least one computing element including a central processing unit (CPU), a micro process unit (MPU), a coprocessor, and the like, and a read only memory (ROM). And a memory unit 155 including at least one memory device including a random access memory (RAM), an electrically erasable and programmable read only memory (EEPROM), a flash memory (FM), and the like. One or more resources manage smart card internal resources. Minus the chip operating system; is provided with a (Chip Operating System COS), there is also provided an IC chip storing information corresponding to at least one or more of the financial instruments required for the wireless payment processing at least one of the remaining memory elements.

The UWB communication unit 145 communicates with the device or server 170 (or the payment device or server 170) equipped with the UWB module 165 through an ultra-wideband communication session and / or based on the ultra-wideband communication. Connect a transaction session for a wireless payment transaction and receive certain information or data with the device or server 170 via the communication session and / or transaction session.

According to a preferred embodiment of the present invention, the UWB communication unit 145 preferably comprises a UWB transmitter and a UWB receiver, and the description of the UWB transmitter and the UWB receiver will be described with reference to FIGS.

On the other hand, the wireless terminal 100 is mounted or detached with the financial IC chip 160 equipped with at least one payment means according to the present invention, the payment device or server 170 and the ultra wide band (UWB) A function of connecting a communication session, at least one payment means to be provided to the payment device or the server 170 for a predetermined payment processing, and a function of reading the read payment means information from the financial IC chip 160; It characterized in that it comprises a recording medium, characterized in that for recording a program for realizing the function of transmitting to the payment device or the server 170 via the ultra-wideband communication session.

Preferably, the recording medium outputs information or data received from the device or server 170 to the wireless terminal 100 through the ultra wide band (UWB) communication session before or after the wireless payment processing. It is characterized by recording a program for further realizing the function.

In addition, the recording medium outputs the information or data received from the device or server 170 to the wireless terminal 100 through the ultra wide band (UWB) communication session before or after the wireless payment processing. It is characterized by recording a program for further realizing the function.

2 is a diagram showing a preferred functional configuration of the UWB transmitter 200 included in the UWB communication unit 145 of the wireless terminal 100.

The input signal frequency is converted by applying a local oscillation signal to generate an output such that a frequency having modulation information such as the original signal is either the sum or difference of the original signal and the local oscillation frequency. The heterodyne (Heterodyne) or Super Heterodyne (Super Heterodyne) scheme (for example, the wireless processing unit 140 provided in the wireless terminal 100 for wireless communication based on the code division multiple access (CDMA) stack is a super heterodyne Compared to the conventional wireless communication using the method, the ultra-wideband communication of the present invention is characterized by using a homodyne method capable of direct conversion in baseband.

Accordingly, the UWB communication unit 145 does not require a reference oscillator, a PLL synthesizer, a mixer, and a power amplifier, and as shown in FIG. 2, the clock oscillator 205, the data input unit 210, and the code-time modulator ( Code Time Modulator 215, Time Delay Modulation 220, Code Generator 225, Pulse Generator 230, and the like.

The predetermined transmission data is input to the data input unit 210 from the transaction unit 115 (or the processing unit) included in the wireless terminal 100, and the transmission data is modulated by the time delay modulator 220 to be code-timed. The code generator 225 generates a predetermined code for code-time modulation and provides the code-time modulator 215 to the code-time modulator 215.

In addition, the time-code modulator 215 receives a predetermined clock for time-code modulation from the clock oscillator 205. When predetermined data is provided through the time delay modulator 220, the clock is transmitted. Modulated through the clock provided by the oscillator 205 and the code provided by the code generator 225 to be provided to the pulse generator 230, the pulse generator 230 includes the modulated transmission data as described above The pulse is transmitted to the ultra-wideband.

As described above, when the UWB transmitter 200 transmits a pulse including predetermined transmission data in an ultra wide band, the pulse is transmitted to the UWB receiver 300 of the UWB module 165 provided in the apparatus or the server 170. Is received by.

3 is a diagram showing a preferred functional configuration of the UWB receiver 300 included in the UWB communication unit 145 of the wireless terminal 100.

Referring to FIG. 3, the UWB receiver 300 includes a multiplier 305 for receiving and multiplying an ultra-wideband pulse including predetermined information or data, and an integrator 310 for integrating. And an S / H unit 320 that provides the integrated signal to the baseband signal processing unit 315, and detects predetermined information or data from the pulse signal and the wireless terminal 100. It includes a data output unit 325 provided to the transaction unit 115 provided in).

In addition, the UWB receiver 300 includes a clock oscillator 330 for oscillating a clock for the multiplier 305 to receive and multiply pulses, and a clock signal and a code generator provided from the clock oscillator 330. Decode Time Delay Modulator 340 for processing time delay modulation for generating a predetermined pulse through a code provided from 335 and generating a pulse required for receiving and multiplying the pulse And a pulse generator 345. In particular, the decode time delay modulator 340 is controlled by the baseband processor 315 for time delay modulation, and receives a predetermined code from the code generator 335 for time delay modulation.

4 is a preferred diagram of a wireless payment system using ultra-wideband communication according to a preferred embodiment of the present invention.

Referring to FIG. 4, a wireless payment system using ultra-wideband communication includes an IC chip 160 having at least one payment means for wireless payment processing, a wireless payment terminal 100 having a UWB communication function, and a wireless payment system. And an apparatus or server 170 for performing a wireless payment process by forming an ultra-wideband communication session using ultra-wideband communication with the wireless terminal 100 and / or a transaction session for wireless payment processing, and the device or server 170. And a predetermined network (eg, a Value Added Network (VAN) or the Internet), and a predetermined payment server that performs payment processing.

The apparatus or server 170 to which the wireless terminal 100 as shown in FIG. 1 and the ultra-wideband communication session using ultra-wideband communication and / or the transaction session for wireless payment processing are connected is connected to the wireless terminal through the communication session. A database is provided for storing predetermined additional information (eg, a discount coupon, advertisement content) to be provided to 100, and the predetermined information or information is transmitted through the ultra wideband communication session and / or a transaction session with the wireless terminal 100. Data and / or predetermined payment data (e.g., payment information transmitted from the device or server 170 to the wireless terminal 100, or payment means information transmitted from the wireless terminal 100 to the device or server 170). UWB module 165 for transmitting and receiving is characterized in that it is provided.

For example, if the device or server 170 is a payment terminal device (for example, CAT (Credit Authorization Terminal)) provided in the store of the merchant, the payment terminal device is connected to the wireless terminal 100 through the UWB module 165. It is preferable that a transaction session is connected. If the device or server 170 is a Point Of Sale (POS) terminal provided at a store of an affiliated store, the POS terminal is connected to the wireless terminal 100 through a UWB module 165. It is preferable that an ultra-wideband communication session is connected, and if the device or server 170 is a local server provided at a merchant's store, the local server may establish an ultra-wideband communication session and / or a transaction session with the wireless terminal 100. This is all possible.

According to a preferred embodiment of the present invention, when the POS terminal and the payment terminal device are provided in the store, providing additional information to the wireless terminal 100 through ultra-wideband communication is performed through the POS terminal. The wireless payment processing using the IC chip 160 mounted on or detached from the wireless terminal 100 is preferably performed through a payment terminal device. When the local server is provided in the store, the wireless payment process is added to the wireless terminal 100. Providing the information or providing the wireless payment processing is preferably performed through the switching of the ultra-wideband communication session and the transaction session between the wireless terminal 100 and the local server.

Figure 5 is a preferred embodiment of connecting a transaction session and wireless payment processing from the device or server 170 to the wireless terminal 100.

FIG. 5 according to a preferred embodiment of the present invention is for a case where a local server having a UWB is provided in a store of a merchant, and a predetermined device (eg, a POS terminal or a payment terminal device) is provided in the store. May be replaced with).

The local server transmits a predetermined search pulse signal through the UWB module 165, and the wireless terminal 100 entering the UWB communication range searches for the wireless terminal 100 in response to the search pulse signal. When the wireless terminal 100 having the UWB communication unit 145 enters the UWB communication range of the local server linked with the UWB module 165 (for example, when the wireless terminal 100 responds to a predetermined search pulse signal), The local server connects an ultra-wideband communication session with the wireless terminal 100 (500).

When the ultra wideband communication session is connected between the wireless terminal 100 and the local server through the above process, the local server transmits order generation information (eg, a food menu sold by the affiliated store) to the wireless terminal 100 through the ultra wideband communication session. Information) is transmitted and output to the screen of the wireless terminal 100 (505), the wireless terminal 100 by using the order generation information a predetermined order history (for example, order of food to be ordered from a plurality of food menu) The details) are generated (510).

According to a preferred embodiment of the present invention, the process of generating the order history from the order generation information in the wireless terminal 100 is repeated until the generation of the order history is completed (eg, at least one food selected and ordered) .

If the generation of the order history is completed (515), the wireless terminal 100 from the memory unit 155, a predetermined wireless terminal identification code for the wireless terminal 100 (for example, the wireless terminal 100 telephone number or terminal) A serial number, identification information used by the local server to identify a specific wireless terminal 100 and use it to connect a transaction session among a plurality of wireless terminals 100 within the UWB communication range; Generate information and transmit the order information to a local server via the ultra-wideband communication session (520).

When the predetermined order information including the wireless terminal identification code and the order details is received in the wireless terminal 100 as described above, the local server extracts the wireless terminal identification code from the order information and the wireless terminal 100. In step 525, the UWB communication session connected to the mobile terminal is converted into a transaction session for wireless payment processing (or a new transaction session is connected to the wireless terminal 100). That is, the security protocol for wireless payment processing is applied to the ultra-wideband communication session to which the security protocol is not applied.

When the ultra-wideband communication session between the wireless terminal 100 and the local server is converted to a transaction session (or a new transaction session is connected) as described above, the local server reads the order history from the order information and from the order history. A predetermined payment information (eg, payment amount) is generated, and the payment information is transmitted to the wireless terminal 100 and output on the screen through the transaction session (530).

When predetermined payment information is received from the local server through the transaction session to the wireless terminal 100, the wireless terminal 100 reads payment means information from the IC chip 160 (for example, the payment through a predetermined key input). Select a payment means (e.g., a credit card) for wireless payment processing information, read payment means information corresponding to the payment means from the IC chip 160, and perform a transaction session between the wireless terminal 100 and the local server The read payment means information is transmitted to the local server through 535.

When payment means information is received through the transaction session in the wireless terminal 100, the local server processes payment for the order details using the payment means information and the payment information (540).

For example, if the payment means corresponding to the payment means information is a credit card, the local server includes a predetermined payment including the payment means information (e.g., credit card number) and payment information (e.g., payment amount, installment month number). The full text is generated and connected to a payment server through the Internet, the payment text is transmitted to a payment server, and payment is processed through a payment approval process.

If the payment processing using the payment means information read and transmitted from the wireless terminal 100 is completed as described above (545), the local server converts the transaction session into an ultra-wideband communication session (for example, security applied to the transaction session). Release the protocol), and then transmit additional information to the wireless terminal 100 through the ultra-wideband communication session (550), and the wireless terminal 100 provides additional services to the customer through the additional information. Provided (555).

For example, if the additional information is a video advertisement advertising a fast food restaurant, the local server obtains a video advertisement exposure permission from the wireless terminal 100 (for example, the mileage when the advertisement video is viewed by the wireless terminal 100 on the local server). After promising to accumulate additional credits for ad exposure), the advertisement video is transmitted to the wireless terminal 100 through the ultra-wideband communication session, and the wireless terminal 100 receives a predetermined number from the local server. Receives the advertising video, and outputs the advertising video through the screen output unit 125 and the voice processing unit 135 provided in the wireless terminal 100.

6 is a flow diagram of one preferred embodiment of connecting a transaction session and wireless payment processing from a wireless terminal 100 to a device or server 170.

Referring to Figure 5 according to a preferred embodiment of the present invention, the store is provided with a POS terminal or a payment terminal device with a UWB module 165 according to a feature of the present invention, the wireless terminal 100 with a UWB function ) A customer who visits the store.

When the customer visits the store, the POS terminal identifies a predetermined order and wireless terminal from the customer through an existing product sales method (for example, a clerk inputs the customer's order details and wireless terminal identification information into the POS terminal). When information (for example, a wireless terminal 100 telephone number or serial number) is input to the POS terminal, the POS terminal generates predetermined order information including the order details and wireless terminal identification information, and the POS terminal. 600 provides the generated order details to a payment terminal device through a predetermined wired communication (eg, RS-232c (Recommended Standard-232c) communication, Universal Serial Bus (USB) communication, etc.).

When predetermined order information (eg, order information including customer order details and wireless terminal identification information) is received from the POS terminal, the payment terminal apparatus extracts the order details included in the order information. And reading and generating predetermined payment information (605), and extracting and reading wireless terminal identification information included in the order information, and connecting an ultra-wideband communication session with the wireless terminal 100 through the wireless terminal identification information. After 610, the payment information is transmitted to the wireless terminal 100 through the ultra-wideband communication session and output on the screen, and predetermined payment means information for performing wireless payment processing on the transmitted payment information. Request 615.

When the payment terminal device requests payment means information for wireless payment processing as described above, the wireless terminal 100 inputs a predetermined key (eg, a shortcut / menu key for wireless payment processing, a key input for selecting a payment means). Reads predetermined payment means information (eg, a credit card number if the payment means is a credit card) from the IC chip 160 mounted or detached from the wireless terminal 100 through a key input for inputting a PIN, etc.) 620).

When the payment means information is read as described above, the wireless terminal 100 transmits the payment means information to the ultra-wideband communication session to securely transmit the payment means information to the payment terminal device (eg, a security protocol). Communication session) or after the wireless terminal 100 disconnects the ultra-wideband communication session and connects a new transaction session from the wireless terminal 100 to the payment terminal device (625). The read payment means information is transmitted from the wireless terminal 100 to the payment terminal device (630).

When payment means information for wireless payment processing is received from the wireless terminal 100, the payment terminal device performs a predetermined payment process using the payment means information, the payment processing is received by the wireless terminal 100 Is subject to payment instrument information. For example, if the payment method corresponding to the payment means information is a credit card, the payment terminal device generates a predetermined payment message including the payment information and the credit card number, and transmits the payment message to a payment server of a credit card company. And payment processing through the payment approval process (635).

If payment processing using the payment means information is completed (640), the payment terminal device converts the transaction session into an ultra-wideband communication session (e.g., a communication session in which the security protocol for wireless payment processing is released). The additional information is transmitted to the wireless terminal 100 through an ultra-wideband communication session (645), and the wireless terminal 100 provides the additional service to the customer through the additional information (650).

For example, the payment terminal device may provide a discount coupon for a specific hamburger set to the wireless terminal 100 through the ultra-wideband communication session. Therefore, the payment terminal device adds a predetermined message to the payment completion message to obtain the approval for the discount coupon is transmitted to the wireless terminal 100, and the wireless terminal 100 to approve the offer of the discount coupon In this case, the payment terminal device extracts or generates a predetermined discount coupon and transmits the discount coupon to the wireless terminal 100, and the wireless terminal 100 includes the discount coupon provided from the payment terminal device in the wireless terminal 100. The memory unit 155 or the IC chip 160 mounted or detached from the wireless terminal 100.

7 is a flowchart illustrating another exemplary method of connecting a transaction session and performing a wireless payment process from the wireless terminal 100 to the device or the server 170.

Referring to Figure 6 according to a preferred embodiment of the present invention, a store is provided with a POS terminal or a payment terminal device equipped with a UWB module 165 according to a feature of the present invention, the POS terminal is a predetermined using a UWB When using radio positioning (e.g., UWB uses radio positioning through Time of Arrival (TOA) and Time Difference Of Arrival (TDOA), it provides high-precision radio positioning with positioning errors within 15 cm. A function of determining the wireless terminal 100 closest to the POS terminal through two or more UWB modules 165 (not shown) is provided, and the wireless terminal 100 having the UWB function is installed in the store. This is for a case where a customer who owns a visit places an order in front of the POS terminal (the position closest to the POS terminal).

When a customer visits the store and places an order in front of a POS terminal, the POS terminal receives a predetermined order from the customer through an existing product sales method (for example, a clerk inputs the customer's order details and wireless terminal identification information into the POS terminal). After receiving the input, and generates a predetermined order history to provide to the payment terminal device (700), the payment terminal device generates the predetermined payment information from the order history (705).

When payment information is generated in the payment terminal device as described above, the POS terminal generates predetermined order information including the order details and payment terminal identification information (eg, an affiliated store code provided in the payment terminal device) (710).

When the order information including the order details and payment terminal identification information is generated in the POS terminal as described above, the POS terminal connects an ultra-wideband communication session with the wireless terminal 100 closest to the POS terminal through a predetermined radio location. In operation 715, the order information is transmitted to the wireless terminal 100 through the ultra-wideband communication session.

When the order information including the order details and payment terminal identification information is received from the POS terminal, the wireless terminal 100 extracts the order details and payment terminal identification information from the order information, and then stores the order details in the wireless terminal 100. (720).

As described above, the order details ordered by the customer are output on the screen of the wireless terminal 100, and when the customer approves the payment for the order details, the wireless terminal 100 establishes an ultra-wideband communication session connected to the POS terminal. Disconnection (for example, when the multi-UWB communication is possible with at least two devices or the server 170 in the wireless terminal 100, the process of disconnecting the UWB communication session connected to the POS terminal may be omitted) (725).

The wireless terminal 100 connects a transaction session for wireless payment processing with the payment terminal device using the payment terminal identification information extracted from the order information received from the POS terminal (730).

As described above, when a transaction session between the wireless terminal 100 and the payment terminal device is connected, the wireless terminal 100 inputs a predetermined key (for example, inputting a shortcut / menu key for wireless payment processing and selecting a payment method). Read predetermined payment means information (e.g., credit card number if the payment method is a credit card) from the IC chip 160 mounted on or detached from the wireless terminal 100 through a key input, a key input for inputting a PIN, etc.). In operation 740, the wireless terminal 100 transmits the read payment means information to the payment terminal device through the transaction session.

When payment means information for wireless payment processing is received from the wireless terminal 100, the payment terminal apparatus performs a predetermined payment process based on a payment means corresponding to the payment means information, thereby making payment included in the payment information. Complete payment for the amount (745).

If payment processing using the payment means information is completed (750), the payment terminal device converts the transaction session into an ultra-wideband communication session (e.g., a communication session in which the security protocol for wireless payment processing is released), and then The additional information is transmitted to the wireless terminal 100 through an ultra-wideband communication session (755), and the wireless terminal 100 provides the additional service to the customer through the additional information (760).

According to the present invention, in a wireless terminal in which an IC chip equipped with at least one payment means is mounted or detached, the wireless payment using ultra wide band (UWB) communication function can be performed at a very high transmission speed. By doing so, there is an advantage that a wireless payment using an ultra-fast transmission rate (up to 100 Mbps) superior to existing wireless payment (eg, wireless payment using Infrared Financial Messaging) of IrDA (Infrared Data Association) is possible.

In addition, there is an advantage that it is possible to provide an additional service associated with the wireless payment that could not be provided in the existing wireless payment based on the ultra-fast full speed.

Claims (3)

Connecting an ultra wide band (UWB) communication session between a user mobile phone and a payment device or a server; When the user mobile phone transmits at least one payment means to be provided to the payment device or server for payment processing through the connected ultra wide band (UWB) communication session, the device or server transmits from the user mobile phone. The payment processing method using the payment means information; characterized in that the payment processing method using an ultra-wideband communication network comprising a. Connecting a transaction session with a user mobile phone equipped with a UWB communication function through ultra wide band (UWB) communication in a payment device or a server; Processing payment data including payment information from the payment device or the server to the user mobile phone through the transaction session; Receiving payment means information and payment related data stored in an IC chip provided in the user's mobile phone through the ultra wide band (UWB) communication session through the user's mobile phone at the payment device or the server; And And processing a payment by using the received payment means information and payment related data in a payment device or a server. The method according to claim 1 or 2, Outputting information or data received from the payment apparatus or the server to the user mobile phone through the ultra wide band (UWB) communication session before or after the payment processing; And transmitting the information or data input from the user's mobile phone to the payment device or the server. The information or data, Payment information data of the payment target product or service, order information data of the payment target product or service, payment target product or service coupon data, advertisement data related to the payment target product or service, and the payment processing Payment processing method using an ultra-wideband communication network characterized in that it comprises at least one mileage or point data.

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